Home Insurance

Most standard home insurance policies will provide coverage for damage to your home (and many items in your home). Home insurance also provides coverage for liability claims, medical payments to third parties, and legal costs if a lawsuit is brought against you. We can help you determine the amount of liability coverage that is right for you.

What's not covered? Read your homeowners insurance policy to find out exactly what is and is not covered. Do this before you suffer a loss, so you won't be surprised.

Is coverage limited? Most homeowners insurance policies limit coverage for certain high-priced or hard-to-replace items. Additional endorsements or floaters will be necessary to protect items like engagement rings, watches, furs, antiques, and other valuables. You'll need to have each item appraised.

How much is enough? Mortgage lenders require that borrowers purchase a minimum amount of homeowners insurance (typically equal to the appraised value or the purchase price of the home). But this is often not the amount of coverage you truly need. Instead, find out how much it would cost to rebuild your home, and consider insuring it for that amount.

Safety can save money. Ask about discounts for safety features (e.g., fire, burglar, emergency alarm systems). You may also qualify for a lower insurance premium if you live near a fire department or hydrant, own a newer home, own a home built out of fire-resistant materials, or get your auto insurance from the same company. See the frequently asked questions section for more information.